Oportun Financial Statistics

Total Valuation

OPRT has a market cap or net worth of $285.16 million. The enterprise value is $3.00 billion.

Market Cap	285.16M
Enterprise Value	3.00B

Important Dates

The next estimated earnings date is Thursday, August 7, 2025, after market close.

Earnings Date	Aug 7, 2025
Ex-Dividend Date	n/a

Share Statistics

OPRT has 43.87 million shares outstanding. The number of shares has increased by 10.23% in one year.

Current Share Class	43.87M
Shares Outstanding	43.87M
Shares Change (YoY)	+10.23%
Shares Change (QoQ)	+8.01%
Owned by Insiders (%)	6.96%
Owned by Institutions (%)	62.18%
Float	33.64M

Valuation Ratios

PE Ratio	n/a
Forward PE	5.78
PS Ratio	0.38
Forward PS	0.28
PB Ratio	0.69
P/TBV Ratio	1.00
P/FCF Ratio	0.69
P/OCF Ratio	0.69
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	4.02
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.33

Financial Position

The company has a current ratio of 10.91, with a Debt / Equity ratio of 7.67.

Current Ratio	10.91
Quick Ratio	10.32
Debt / Equity	7.67
Debt / EBITDA	n/a
Debt / FCF	6.87
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -11.36%.

Return on Equity (ROE)	-11.36%
Return on Assets (ROA)	-1.31%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$307,164
Profits Per Employee	-$17,487
Employee Count	2,429
Asset Turnover	0.23
Inventory Turnover	n/a

Taxes

Income Tax	-29.07M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +124.13% in the last 52 weeks. The beta is 1.25, so OPRT's price volatility has been higher than the market average.

Beta (5Y)	1.25
52-Week Price Change	+124.13%
50-Day Moving Average	6.70
200-Day Moving Average	4.93
Relative Strength Index (RSI)	44.09
Average Volume (20 Days)	846,237

Short Selling Information

The latest short interest is 1.31 million, so 2.98% of the outstanding shares have been sold short.

Short Interest	1.31M
Short Previous Month	371,388
Short % of Shares Out	2.98%
Short % of Float	3.88%
Short Ratio (days to cover)	1.07

Income Statement

In the last 12 months, OPRT had revenue of $746.10 million and -$42.48 million in losses. Loss per share was -$1.01.

Revenue	746.10M
Gross Profit	711.48M
Operating Income	27.47M
Pretax Income	-174.27M
Net Income	-42.48M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$1.01

Full Income Statement

Balance Sheet

The company has $92.74 million in cash and $2.81 billion in debt, giving a net cash position of -$2.71 billion or -$61.86 per share.

Cash & Cash Equivalents	92.74M
Total Debt	2.81B
Net Cash	-2.71B
Net Cash Per Share	-$61.86
Equity (Book Value)	366.10M
Book Value Per Share	9.76
Working Capital	2.76B

Full Balance Sheet

Cash Flow

Operating Cash Flow	408.62M
Capital Expenditures	n/a
Free Cash Flow	408.62M
FCF Per Share	$9.31

Full Cash Flow Statement

Margins

Gross margin is 95.36%, with operating and profit margins of 3.68% and -5.69%.

Gross Margin	95.36%
Operating Margin	3.68%
Pretax Margin	-9.59%
Profit Margin	-5.69%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	54.77%

Dividends & Yields

OPRT does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-10.23%
Shareholder Yield	-10.23%
Earnings Yield	-15.00%
FCF Yield	144.29%

Analyst Forecast

The average price target for OPRT is $8.00, which is 23.08% higher than the current price. The consensus rating is "Hold".

Price Target	$8.00
Price Target Difference	23.08%
Analyst Consensus	Hold
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	3